2011 Ford Five Hundred Car Insurance Rates

Want better auto insurance rates for your Ford Five Hundred? Having to pay for high-priced auto insurance can sap your savings and possibly require postponing other expenditures.

Because you have many choices, it’s difficult to locate the cheapest auto insurance company.

The best way to get policy rate comparisons is to know the trick all the major auto insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is provide information such as how many miles driven, driver ages, what your job is, and how much school you completed. Your information is then sent to multiple insurance coverage providers and they return cost estimate quickly.

To check 2011 Ford Five Hundred insurance prices now, click here and find out if lower rates are available.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can help discover if your situation would benefit from professional advice.

  • Where can I find high-risk insurance?
  • Is my 2011 Ford Five Hundred covered for smoke damage?
  • Does insurance cover tools stolen from my truck?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I have combined single limit or split liability limits?
  • What is high-risk coverage and where do I buy it?
  • How do I file an SR-22 for a DUI in my state?
  • What is roadside assistance coverage?
  • Will my rates increase for filing one claim?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like vandalism, theft, rock chips in glass, damage from flooding and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages – This coverage can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Coverage for medical payments – Med pay and PIP coverage reimburse you for bills such as pain medications, surgery, funeral costs and doctor visits. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage – This covers damage to your Five Hundred resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, scraping a guard rail, damaging your car on a curb, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.